CCA request to Debt Collector or original Creditor?

[Dekkerboy]

I sent a CCA request to my debt collector- should I have sent it to the original creditor?

Would the debt cllection agency be able to provide my CCA?

 

Many Thanks

[dx100uk]

whomever is asking for money

 

dx

[Dekkerboy]

Thanks dx100uk...

I CCA'd the DCA at the beginning of April and had no response. Their latest letter is asking me when I contacted the original creditor .

The DCA state that they are collecting on behalf of the creditor, but it's the DCA that are asking/hassling for the money.

[dx100uk]

then they've failed and you can stop payments

 

tell us about the debt

 

dx

[Dekkerboy]

Hi dx100uk,

 

I've copied & pasted an outine of the debt and the CSL circus that has followed...

 

I had a Credit Card off Capital One and got into arrears owing to lack of work (agency worker)

over the snowy Christmas period.

I wrote to Capital One and asked them for a payment plan.

I made an offer of payment to them, sent it recorded delivery, and they ignored it.

I started getting calls from CSL on my phone.

I wrote to CSL on several occasions saying I would not discuss my account over the phone and not to call.

I told CSL that I wanted confirmation in writing- from Capital One themselves- that the debt had been passed on to CSL.

I have never received this confirmation.

I also told CSL that I wanted Capital One to respond to my proposed payments and

why they had not done so. I never received this either.

 

CSL continued to phone so I reported them to Consumer Direct, OFT and OFCom and Trading Standards.

The annoying calls stopped.

 

I received a yellow postcard from P2C saying somebody would be around to discuss my communication with CSL.

I wrote to P2C AND CSL and withdrew/revoked their Implied Right of Access.

I then received a 'payslip'-type letter from P2C. I wrote to them again and told them I had revoked their implied Right of Access.

On April 1st I emailed CSL and requested my CCA from them. I still haven't received it.

Instead, CSL sent me a letter with the 'Opportunity to save 40%'.

 

I'm not sure what to do next, namely:

 

 

My latest letters have the amount restored to the pre-offer ammount, and although I CCA'd CSL I may have buggered up a bit as the request was sent via email. I also know that they DO receive my emails as they have occasionally replied to them.

I have also KEPT every single email sent/received.

 

They are now asking if:

 

"Whether you have NOT received any documentation from the client since your request was sent,

Whether you have paid the statutory fee of £1.00 (your request would not have been processed if this fee was not paid)"

 

They want me to let them know by 15th May or 'account will be taken off hold and collection activity will continue'.

 

In short, the CCA request was to CSL- NOT Crap1, as CSL are aware- and I did not pay the fee as the request was done via email...

What should be my next move? Letter & fee to CSL?

 

My head spinneth.

 

 

 

[dx100uk]

right

 

the clincher in all of this is the offer of a 'discount'

 

this always means one of two things:

 

either there is no enforceable paperwork

or

the balance is mostly reclaimable charges and/or PPI

 

in either case they are stuffed and can only try be trying to fleece you

[esp as P2C have gotten involved]

 

totally ignore everything then now

 

and only worry if a claim form arrives

 

dx

[casper1963]

i had my cca returned by the dca saying contact the oc several coments where that they could actually do that